Unlike other types of health insurance, Part D plans do not have a fixed annual out-of-pocket maximum, and you could potentially continue to spend even more than ,100 this year. While that's a huge sum for just prescription drugs, the out-of-pocket threshold "re-sets" and it starts all over again next year. Unless Congress takes action, the out-of-pocket threshold is scheduled to make a steep increase in 2020 to ,250, due to an expiring provision of the 2010 Affordable Care Act. . You bring up an important gap in our Social Security protections. In order for children to qualify for a Social Security dependent benefit, that benefit would need to be based on an account of a parent who meets eligibility requirements for Social Security and is deceased, disabled, or retired. The parent would need to meet the eligibility rules in order for your grandson to receive a benefit based on the parent's account. However, if the biological parent has not yet met all eligibility rules then, in order to receive a Social Security benefit, you would need to first adopt the child so that he qualifies for a benefit based on your account. .(Washington, DC) – Although there won't be any Social Security cost – of - living adjustment (COLA) next year, many of the nation's biggest drug and health plans are sharply increasing costs, warns The Senior Citizens League (TSCL). "Outrage is growing among older voters who question how COLAs can be zero, when their healthcare costs are taking the biggest jump in seven years," says TSCL Chairman, Ed Cates. .The further we read into the Affordable Care Act, the more we learn it doesn't address the issues of rising costs and access to quality care. A majority of my patients were either Medicare beneficiaries or Medicaid recipients. I understand the importance of these issues and want you to know that I am working hard to ensure everyone, especially seniors, has access to quality care and to keep the Federal Government out of the way when it comes to making the important decisions that affect your health and well being. .Living on a Social Security budget can make gift-giving tough. Here are five thoughtful ideas for do-it-yourself gifts that will make the season merrier for all: .The House passed the bill yesterday and the Senate is expected to take it up next week. .Transportation (new vehicles, airline fares, gasoline, motor vehicle insurance) .The legislative proposal also does not specify whether the locality pay adjustment would be applied in addition to the COLA or used instead of a COLA. If the intention is to add a second adjustment in addition to the COLA my guess is that many retirees would welcome the additional boost. Should the proposal be intended to replace the COLA that brings a higher level of uncertainty to the annual adjustments than we already experience. For people who live in areas where private sector pay is on an even level with federal pay or lower, those retirees may wind up with little or no locality pay adjustment, perhaps over the course of many years. .Second, four new cosponsors signed on to the Social Security Fairness Act (S. 915, H.R. 1205), bringing the cosponsor total up to twenty-seven in the Senate and 190 in the House. The new cosponsors are: Senator Patty Murray (WA), Senator Tom Udall (NM), Representative Debbie Wasserman Schultz (FL-23), and Representative Vicky Hartzler (MO-4). If adopted, the Social Security Fairness Act would repeal the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) – two provisions that unfairly reduce the earned Social Security benefits of millions of teachers, police officers, and other state and local government employees each year.